Verification

NEXT QUESTION With Lance Armstrong not competing, will you follow the Tour de France this year? Selected responses to today's question will be printed Monday on The Kickoff page. Please e-mail your answer (about 25 words) to sports@baltsun.com by 3 p.m. tomorrow. Include your name, address and a daytime telephone number for verification purposes.

There are a variety of ways to refinance. According to Tom Champion, manager of the Lutherville branch of Norwest Mortgage, those include:* A standard refinance. "You go to the lender, provide them with all the documentation that relates as to income, assets and they will appraise the property and you basically go through the same scenario as when you first purchased the property, as far as qualifying," Champion said.* A streamline refinance. In this method, the lender will require limited documentation and verification on such items as income, savings and debt from the homeowner.

Is your organization planning an event to mark Black History Month?Submit the details, including a phone number for verification and a photograph or slide if available, to Live, Black History Month calendar, The Sun, 501 N. Calvert St., Baltimore, Md. 21278. The deadline is Jan. 16.The calendar will run in the Jan. 30 issue of Live.Pub Date: 1/04/97

Is there a team other than Duke you are rooting against most in the NCAA men's tournament? Selected responses to today's question will be printed tomorrow on The Kickoff page. Please e-mail your answer (about 25 words) to sports@baltsun.com by 3 p.m. today. Include your name, address and a daytime telephone number for verification purposes.